Expert: Apex Credit Services, LLC - 10/3/2008

Question
Here is my case:

I had a lease with an apartment complex from Aug 2006 for 12 months.  When Aug 2007 came around I extended the lease for a few more days and I also gave them ny 30 day notice the same day.  The lease was up Sept 14 which was when I deployed to Iraq.  Couple of days ago I was checking my credit report just to find out the apartments I used to live in had turn a "debt" to a collection agency.  They are claiming $961.00 supposedly the rent for the month of Oct and the rest for the month of Sep 2006.  I have never received a letter from the apartment complex or the collection agency saying that I owe them money but it is already reported to the Credit Bureau.  What can I do?  Since I never receive a notice saying that I owe money, can they take it off my credit report and we deal with it?

Thanks!

Answer
Katherine:

  You need to dispute the tradeline through the collection agencies.  In addition, you need to request validation from the debt collector and verification from the apartment complex.

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